The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$5,939
−HK$373/mo
▼ 0.25% · 3.875%
HK$6,124
−HK$188/mo
Today · 4.125%
HK$6,312
baseline
▲ 0.50% · 4.625%
HK$6,696
+HK$384/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,624/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,607
−HK$357/mo
▼ 0.25% · 3.875%
HK$6,785
−HK$179/mo
Today · 4.125%
HK$6,964
baseline
▲ 0.50% · 4.625%
HK$7,331
+HK$367/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,928/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,127
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,349
−HK$225/mo
Today · 4.125%
HK$7,574
baseline
▲ 0.50% · 4.625%
HK$8,035
+HK$461/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$15,148/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,929
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,142
−HK$215/mo
Today · 4.125%
HK$8,357
baseline
▲ 0.50% · 4.625%
HK$8,798
+HK$441/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$16,714/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,315
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,574
−HK$262/mo
Today · 4.125%
HK$8,836
baseline
▲ 0.50% · 4.625%
HK$9,374
+HK$538/mo
Deposit HK$781K · loan HK$1.82M · min. income ≈ HK$17,672/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,250
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,498
−HK$252/mo
Today · 4.125%
HK$9,750
baseline
▲ 0.50% · 4.625%
HK$10,264
+HK$514/mo
Deposit HK$781K · loan HK$1.82M · min. income ≈ HK$19,500/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,691
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,023
−HK$338/mo
Today · 4.125%
HK$11,361
baseline
▲ 0.50% · 4.625%
HK$12,052
+HK$691/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$22,722/mo (50% DSR)
Upfront cash ≈ HK$261K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,893
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,212
−HK$324/mo
Today · 4.125%
HK$12,536
baseline
▲ 0.50% · 4.625%
HK$13,197
+HK$661/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$25,072/mo (50% DSR)
Upfront cash ≈ HK$261K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).